Total Assets
$286M
Total balance-sheet footings
FDIC Cert #29024 · Bedford, Indiana · Est. 1934
Bedford Federal Savings Bank - FDIC Bank Health Profile
A community-scale look at Bedford Federal Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $286M
- Total assets
- C
- Health grade · Fair
- 1.12%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Bedford Federal Savings Bank earns a PlainBankData health grade of C (56/100), with 9.66% Tier 1 capital, profitable at 1.12% ROA, 61% efficiency ratio.
- #2,565
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 9.66%
- Tier 1 ratio - below the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Bedford Federal Savings Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bedford Federal Savings Bank's composite health score
Tier 1 Capital Ratio (9.66%) 18/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (15.55%) 10/20
Efficiency Ratio (60.51%) 8/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$247M
Customer-funded liabilities
Net Loans
$229M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bedford Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bedford Federal Savings Bank's score of 56/100 falls in the highlighted band.
Bedford Federal Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bedford Federal Savings Bank's $286M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.66% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.66%
Texas Ratio
15.55%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.12%
Return on Equity (ROE)
11.82%
Efficiency Ratio
60.51%
What the numbers say about Bedford Federal Savings Bank
Bedford Federal Savings Bank is an FDIC-insured institution (Certificate #29024) headquartered in Bedford, Indiana, established in 1934. It holds $286M in total assets - 2,565th of 4,313 FDIC-insured banks, $247M in customer deposits, and $229M in net loans. On safety, its Tier 1 capital ratio of 9.66% is below the 10% well-capitalized threshold, and its Texas Ratio of 15.55% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Indiana, Bedford Federal Savings Bank ranks 63rd of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$16M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bedford Federal Savings Bank reports a Texas Ratio of 15.55% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bedford Federal Savings Bank (FDIC Cert #29024) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is Bedford Federal Savings Bank's health grade?▼
Bedford Federal Savings Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bedford Federal Savings Bank?▼
Bedford Federal Savings Bank holds $286M in total assets and $247M in deposits, ranking 2,565th of 4,313 FDIC-insured banks by asset size. It is headquartered in Bedford, Indiana.
Is my money safe at Bedford Federal Savings Bank?▼
Yes, deposits at Bedford Federal Savings Bank (Certificate #29024) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bedford Federal Savings Bank's Tier 1 Capital Ratio?▼
Bedford Federal Savings Bank has a Tier 1 Capital Ratio of 9.66%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Bedford Federal Savings Bank?▼
Bedford Federal Savings Bank has a Texas Ratio of 15.55%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bedford Federal Savings Bank?▼
Bedford Federal Savings Bank has an Efficiency Ratio of 60.51%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bedford Federal Savings Bank's profile as a depositor or analyst.
- Bedford Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bedford Federal Savings Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.